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I have a credit score in the mid 700s, no late payments, and clean credit history overall.

I was recently denied by a Chase credit recon analyst for high credit card utilization. Other than the obvious of lowering my current credit card utilization, is there anything else I can do for them to reconsider and at least give me a small credit limit to start out with?

My debt is basically that of my father and sister, who I stupidly and ignorantly signed up for under my name and they are still paying it off.

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Likely not unless you can lower your utilization on those cards? Use credit card with free ballance transfer to cut down that debt? How many other cards do you have and what are their limits? I'm not sure if they are looking at your total available credit to debt ratio or if its just that those 2 cards are maxed out.

The card I am trying to apply for - Chase Slate - is the one with the free balance transfer that I want to use to cut down on the debt for Lowes. That is it, those are the only two cards I have. Those two cards are basically near it's limit or about 80-85% in.

They denied me too(actually didn't deny right away but I got the screen that said they would need more time to decide) so I called and was able to open the card by moving other Chase lines of credit to the Slate. Is that something you could do? I took $10,000 of my Freedom which had a $25,000 credit line and closed my Chase Disney card which had $9,000(and which I know I will never use).

Edited to add: I just read your other post and I see now you don't have other Chase lines of credit to move around.

They denied me too(actually didn't deny right away but I got the screen that said they would need more time to decide) so I called and was able to open the card by moving other Chase lines of credit to the Slate. Is that something you could do? I took $10,000 of my Freedom which had a $25,000 credit line and closed my Chase Disney card which had $9,000(and which I know I will never use).

Edited to add: I just read your other post and I see now you don't have other Chase lines of credit to move around.

Do the obvious thing, pay your debt down. You don't need another credit card for them to lower your interest rate. You can ask them directly to lower your interest due to hardship. Under no circumstances that you should obtain additional credit until you have paid off your existing debt load. I cant phantom the idea of carrying that much debt.

Pay it off 500 a month and you will be done in about 3 to 4 years but you must stick your budget and not get any additional credit cards or get yourself in debt. You said your dad and sister used, have them pay you directly and you pay it off.

What you can do is, lower your utilization, and apply for another one of their cards with a lower credit limit, such as their Amazon Chase credit card or their Chase Freedom card, just to get your foot in the door with them in credit cards. Then, you can work your way up from there. Going for the slate is sorta jumping to high, given the situation you're in now with the high utilization.

Why don't you try for a credit line increase on your current two cards? If approved, it'll lower you utilization and then maybe recheck with Chase again if you really want to go down that road. Only issue is, no matter what you do, you'll be pinged with new inquiries, but if you do it all within 30 days, it'll look like you're checking for new credit, so it won't damage your score too dramatically. Just food for thought

Why don't you try for a credit line increase on your current two cards? If approved, it'll lower you utilization and then maybe recheck with Chase again if you really want to go down that road. Only issue is, no matter what you do, you'll be pinged with new inquiries, but if you do it all within 30 days, it'll look like you're checking for new credit, so it won't damage your score too dramatically. Just food for thought